Amasheya Aza Kukunyathela Nge-Collapse ezayo
Enye into yokuthengisa i-stock market iyayizonda ngaphezu kweendaba ezimbi. Ngenxa yokuba imeko yezoqoqosho yehlabathi izayo, abatyali-mali abasenakukwazi ukuhlala kwindawo engabonakaliyo.
Ngokujonga ngokukhawuleza ukunyuka kweemali, kunye nokuqonda izinto ezenzekayo kwi-"Q Qati", sisesinye seziganeko ezinzima kakhulu esizibonile ngexesha elide.
Kodwa ngaphambi kokuba ukhawuleze ukuba uphume ngokupheleleyo kwisitokisi, okanye ukumbamba intloko yakho entlabathi, kufuneka uhlale ukhumbule ukuba amanye ama-million ayenziwe ngexesha lokudakumba okukhulu kunanoma yimuphi umlando kwimbali yabantu.
Kwaye le meko yangoku ikwazi ukudlala ngendlela efana neyo, apho amathuba amakhulu enzuzo aphuma kwiingxaki zezoqoqosho.
Iindaba ezilungileyo kukuba kukho utyalo-mali obunokukwenza ngoku okuya kunceda ukukhusela kuyo nayiphi na intshukumo okanye ukungonakaliswa kweemarike zaso sonke, kunye noqoqosho ngokwawo. Ngokubandakanyeka kwiintlobo zamashishini aphila kwaye aphumelele kwixesha elilukhuni, uzibeka ekubeni ube yimeko ebonakalayo inenzuzo kwaye ikwazi ukuxhaswa. Ngamanye amagama, unokuzicebisa ngelixa uqinisekisa ukuba idola lakho lotyalo-mali liphila ukulwa nolunye usuku.
Amanye amashishini aya kwenza kakuhle nangona nayiphi na i-economic recession okanye i-market market drop-down - kwaye kwiimeko ezininzi zenza kakhulu ngamandla ngenxa yokuba kulandelelaniswa okanye ukutyhafa - kuquka:
Ukhathalelo lwempilo
Akunandaba ukuba iimarike zamasitokethi ziphazamiseka, okanye ukuba ubutyebi buqhuba njani.
Iinyaniso kukuba ezinye iziyobisi zonyango kunye neyeza zonyango ziya kuqhutyelwa, okanye zithengiwe, kungakhathaliseki ukuba nomfanekiso omkhulu.
Ukuba izidakamizwa ezibiza kakhulu yinto evumela ukuba ulale ebusuku, okanye umise umlenze wakho ukuba uphewule okanye ugcine ibhalansi yakho, ngoko ufumana indlela yokuhlawula loo mayeza kungakhathaliseki ukuba yintoni.
Yingakho iinkampani ezininzi zezobisi kunye nezobuchwepheshe bezempilo zibhekwa njengama shishini akhuselayo - ahlala esenza okungafaniyo nezenzo zoqoqosho oluphantsi. Ukuba utyalo-mali, iidola zakho kwiinkonzo zempilo kunye namashishini e-pharma akwazi ukuhlala kwiimeko ezinzima, xa kuthelekiswa nezinye iisitokisi .
Enyanisweni, abantu abaninzi baya kudla ukudla ngaphambi kokuba badle iziyobisi. Bangeke bathenge iitelesi zamaphepha, okanye bahambe baye kwiivenkile ukuba oko kuthetha ukuba abanakho ukuhlawula imali eyi-100 ngonyaka ngonyaka wokugcinwa kwegazi lomntambo wegazi ukuze igcinwe ngeqhwa.
Xa kuziwa ekunakekelweni kwezempilo, imithetho ihlukile kunezona zininzi iintlobo zotyalo-mali.
Izinto zoLuntu
Enye yezakhiwo eziphezulu zokutyalomali utyalo-mali ngo-2016, nangona ngexesha leemarike zeemasheya liye laqala ukuya kwinqanaba elibi kunabo bonke, liye lenziwe yintsimbi exabisekileyo. Enyanisweni, ezininzi iinkampani zokuvelisa zegolide zezolimo ziye zatshintsha ngokugqithiseleyo kwiinyanga ezimbalwa zokugqibela, kwaye ukujonga ixabiso legolide, isilivere kunye neplatinum lihlala liphezulu.
Ukushicilelwa kwemali yomhlaba wonke kuye kwaphuma iinqwelo (iintlanga ezisuka eMelika ukuya eJapan zidala kakhulu). I dollar yaseMelika ilahlekelwe ngama-95% exabiso layo ukususela ngonyaka we-1900.
Silindela ukuba ixabiso legolide liholele yonke imveliso eyinkqantosi ephezulu, kunye neenzuzo ezibalulekileyo ezivela kwisilivere kunye ne-platinum - isilivere kwisilinganiselo segolide, kunye ne-platinum kwi-gold ratio, ayizange ibe yintlupheko, nto leyo ithetha ukuba isilivere kunye ne-platinum ayinakulinganiswa malunga negolide.
Inyaniso esilindele ukuba igolide ikhulise ngokubaluleka kakhulu kumanqanaba angoku, ithetha ukuba "isisityebhile" isilivere kunye nexabiso leplatinum zibeka abatyala-mali ukuba bafumane ukuzuza okungaphezulu kwepesenti. Ngokomzekelo, igolide ingahle ikhuphuke kuma-50%, kodwa ngexesha elifanayo, mhlawumbi uza kubona ukwanda kweefesi nesilivere nge-platinum ngaphezu kwe-100%.
Ekubeni ixabiso lezinyithi ezixabisekileyo zisebenza njengendlela eninzi yokuxhoma ukuxhatshazwa kwehlabathi kunye nokuthengwa kwemakethe ye-stock market, kuthetha ukuba benza njengento yomshuwalense wendalo.
IGold, umzekelo, iya kunyuka kwixabiso ngokuphendula naliphi na inani leziganeko ezinokwenzeka; ukuhlaselwa kwemakethe yemasheya ; ukuqhambuka kwemfazwe; hyperinflation; ukunyuka kwamaxabiso rhoqo; iindlobongela; ngqi niseki; umgangatho wenzala; imali "yokushicilela;" ukwehla kwamandla okuthenga edoli.
Ukwakha kunye noPhuhliso lweZiseko
Sishiye ixesha elide kakhulu. Ixesha lokuba iMelika iqale ukubeka ingqalelo ekuvuseleleni izibonelelo zethu zesizwe.
Akukho nto leyo eyayiza kwenza umsebenzi wesizwe ngakumbi ngakumbi kunokukhupha isicwangciso esikhulu sokuchitha ingqalasizinda. Ixubusha kakuhle nabavoti abanokuthi, kwaye ngoko uya kubona ababini abaphezulu bezopolitiko abavakalisa izithembiso zabo zokuchitha imali ebonakalayo ezindleleni kunye neebridges kunye nemigodi.
Ngethuba lokunyulwa kwe-federal, kwaye kusekelwe kwizithembiso zabaviwa (becinga ukuba baya kwenza okanye zonke izinto abakuthethayo malunga nokunyulwa okokuqala), kuya kuba ne-spike enkulu ekuchithweni izibonelelo. Ngaloo ndlela, nawaphi na amashishini abandakanyekayo angabona imali eyongezelelweyo, kunye nokuxumla kwisixa somsebenzi abasenayo.
Amashishini aseMpi, amaComputer kunye neTeknoloji
Kuphantse kufana namashishini anxulumene nemikhosi yi-"Old Faithful" ukutshala imali kwezoqoqosho lwethu. Ingaba okanye ungakholelwa ukuba sichitha imali eninzi kwimikhosi ingaba yimbono yombono, kodwa into ebalulekileyo kukuba phantse wonke umviwa othethayo malunga nokuxhaswa kwemali eninzi kwiinkampani zemikhosi.
Ngenxa yokuba sinokukhetha ukhetho oluzayo ngokukhawuleza, kwimiba embalwa, njengokuba kunjalo, kukho izithembiso ezenziwe ngabaviwa ababalulekileyo bezopolitiko ezibandakanya ukwandisa ubuchule bemikhosi yaseMerika, eyongezwayo yongezwa ukuba yanda yokuchitha.
Nangona xa abavoti bezopolitiko bathetha ngeengxaki ngezoqoqosho, okanye ingozi kwimarike yemasheya, abaphantse bahambe ukuya kuxoxisana nokunciphisa iindleko zempi . Oko kuya kubiza iivoti, kwaye kunokuthatha isisindo kuqoqosho jikelele.
Kwimigangatho ephakamileyo eyenziwa ngumkhosi waseMerika ukubandakanyeka, uxanduva lwezemali aluqhelekanga ngaphambili nakwiziko. Ngenye indlela, awukwazi ukubeka ixabiso kwiimpawu kunye noomatshini olufunekayo ukukhusela ubomi bamadoda nabasetyhini ngendlela efanayo, okanye ukuqhubela phambili iimfuno zezopolitiko kunye namandla eMelika.
Ngaloo ndlela, iinkampani ezibandakanyeka kummandla wezobugcisa-mveliso zikhula kakuhle, ukuba kungengokuthi ziphile kakuhle, ngamaxesha oqoqosho kunye neentengo zemarike.
Izixhobo
Kunjengokuthi ezi ntlobo zotyalo-mali zadalwa nje ukukubeka ekulala. Ngaphandle komdlalo weMonopoly, ukufumana zombini izinto ezisetyenziswayo akunakuchukumisa nje ngokuba uthatha yonke imizila yomzila, okanye ufumana ukuzimela kwelinye lemibala yepropati ukuze ukwazi ukwakha ezinye ihotele.
Into enxulumene nokusebenza kukuba ukukhula kwabo okubonakala phambili kukhankanywe. Abayi kuphinda kabini ngobungakanani bobusuku, okanye nangaphezulu kweminyaka embalwa, kwaye ngokuqinisekileyo abayi kubenza batyebi.
Nangona kunjalo, into abaya kuyenza ngokukhawuleza ihlawula isahlulelo esiqinileyo, ngelixa liphethe ixabiso layo kwaye lihlala lixhomekeke xa iindawo ezininzi ezibajikelezayo ziwa phantsi kwexabiso. Izixhobo zinkampani ininzi lwabatyalomali abanokuyiqonda, kwaye akunzima kakhulu ukukhupha ixabiso elifanelekileyo kwizabelo eziza kubakho, ngakumbi xa kuthelekiswa neenkampani ezininzi ezinokutshatyalaliswa njenge-biotech, ubuchwepheshe obuphazamisayo, kunye namacandelo atshanje "ashushu".
Cinga ngako ngale ndlela - ukuba izitokisi zihlahlela i-20%, kodwa izibonelelo zihlala phantsi, zifana noko ukuba ezo zixhobo zenyuka ngama-20% kwixabiso elithelekisayo. Yilokho okuya kwenza olu hlobo lotyalo-mali lukhangele ngethuba xa uqoqosho lujongene nokungaqiniseki kunye nemingcipheko (kwaye zonke iimarike ziyakuncipha).
Izindleko zeNkcitho
Nini na ukuba uqoqosho luqala ukukhubeka, luya kuba yi-steakhouses ephezulu eyokuqala, kungekhona uMcDonald's. Ngexesha elifanayo, ubuthathaka obuthathaka kwezoqoqosho ngokwenene lunokunceda amashishini athile akhuphisana kwixabiso, njenge-Walmart ngokomzekelo.
Kwizigaba zokuqala kwanoma yiluphi uhlobo lolungiso lwezoqoqosho, ezinye zala ma shishini "aphantsi kwamanani" ziya kubona ukwanda kwabathengi. Indoda ecebileyo kuphela egcina izitolo kwiindawo ezigqwesileyo kunokuzenzekela ngokuzenzekelayo ukuba i-trolling i-aisles eWalmart ifuna i-TV yama-R50.
Yintoni ezayo
Abo balungiselela iziphumo ezimbi kunazo zonke bahlala phantsi kwienyawo zabo. Yingakho xa ungavuli ingqondo yakho kwimeko yokuba uya kubanjwa, kwaye unokuthi uthathe uninzi olutsha ngakumbi kunokuba ungenalo.
Kuphela ngokuvulela ithuba lokuba nobuthakathaka obuthile boqoqosho, unokuqala ukulungelelanisa iphothifoliyo yakho ngendlela efanelekileyo yokuphuma phezulu. Ukulondolozwa kobutyebi bakho, ngelixesha apho abaninzi abantu bexoshwa khona, bakubeka kwindawo ephakamileyo.
Awugcini nje kuphela ukugcina ixabiso lempahla yakho, usinda kwi-downside, evulela kuyo ukuze uzuze kuyo yonke into ebalulekileyo enokuba uyibona ikuza indlela yakho. Ngokukodwa xa i-sark market imashishini esezantsi, okanye uqoqosho lubeka uxinzelelo kumashishini abantu kunye nexabiso lempahla yazo.
Ukubonelelwa kwezi meko, ukhetho oluhle lokutyalomali oluya kukhula ngexesha lobunzima luya kugcina ixabiso, okanye likhule, ngelixa ezinye izitokhwe, i- estate , kunye nazo zonke iintlobo zeempahla zithengiswa!